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Maine Fertility Billing
& IVF Mandate Guide

Covers IVF and infertility treatment for patients meeting medical criteria

Statute
24-A M.R.S. §2764
Effective
September 19, 1987
Plans Covered
Fully-insured group health plans

What's Covered Under Maine's Mandate

IVF covered — no specific cycle limit in statute (verify per plan). Always verify individual plan benefit designs at patient intake.

IVF
✓ Mandated

Covered — benefit limits set by individual plan designs

IUI
✓ Mandated

Covered when medically indicated

Embryo transfer
✓ Mandated

Covered as part of IVF benefit

ICSI
✓ Mandated

Covered when clinically indicated

Embryo cryopreservation
✓ Mandated

Typically covered — verify per plan

Egg freezing
✗ Not Mandated

Not specifically mandated

PGT
✗ Not Mandated

Not mandated

Self-funded employer plans (ERISA)
✗ Not Mandated

Exempt from ME state mandate

Maine Billing Notes

1
Anthem ME dominant payer

Anthem Blue Cross Blue Shield is the primary commercial payer in Maine. Prior authorization is required for all ART procedures — submit documentation at least 2 weeks before cycle start.

2
Rural practice logistics

Maine has limited fertility practice density. Many patients travel to Portland or Boston for treatment. Coordinate billing across episodes if patients receive some services out of state.

3
Plan-level benefit verification critical

Maine's statute is older and less prescriptive than newer mandates. Individual plan benefit designs vary significantly. Verify specific cycle limits, covered procedures, and auth requirements per patient plan.

Top Payers in Maine

Anthem Blue Cross Blue Shield ME
Harvard Pilgrim Health Care
Tufts Health Plan
UnitedHealthcare

EasyRCM tip: Payer requirements change frequently. We track prior auth workflows, coverage criteria updates, and denial pattern shifts for every major payer in Maine — so you don't have to.

Maine Fertility Billing — FAQ

Does Maine require IVF coverage?

Yes. Maine's §2764 requires coverage for IVF and infertility treatment. The statute does not specify a cycle limit, but individual plan designs may impose limits — verify per patient.

Which payers cover IVF in Maine?

Anthem Blue Cross Blue Shield is the dominant payer in Maine and is required to cover IVF for fully-insured plans. Harvard Pilgrim and Tufts Health Plan also operate in Maine.

Billing under Maine's mandate?

EasyRCM handles fertility billing for practices in Maine and all 21 mandate states — from eligibility verification and prior auth to denial appeals and A/R recovery.

Book Your Free ME Billing Review →